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Iskandar bin Ishak Alyssa Bte Mohamed Isa new parents building home for life together
Work out your budget

Other than upfront payments and monthly housing instalments, consider other things you may need to spend on such as renovation, furniture and even your day-to-day expenses.

Plan with these in mind so that you can manage short and long-term housing expenses more comfortably.

Decide how much cash and CPF to use

While your CPF Ordinary Account (OA) savings can be used for housing down payment and monthly  housing instalments, you may want to consider setting aside some OA savings as emergency fund.

For instance, you can retain up to $20,000 at the point of home purchase to pay for your housing instalment in times of need. 

Plan for your retirement needs too

A loving home and meaningful retirement are milestones worth planning for. As unused OA savings form part of your retirement fund, consider using more cash so you can also earn interest on your OA savings.

Get more tips from others like you

Whether you are a new or experienced homeowner, there are ways to improve your financial plan, so that you can build both a loving home and meaningful retirement for yourself and loved ones. Take a leaf from Iskandar and Alyssa's plan to better yours.

Iskandar and Alyssa housing financial planning

Take action today

Here are some resources to help you.

CPF Planner

Ready to plan for a meaningful retirement? Use this planner to help you set a goal and project whether your CPF savings will be enough to meet your needs.

Make a cash top-up

Cash top-ups help to grow your savings for higher payouts in retirement to pursue your passion. Start building your savings today.

First Home Calculator

Use this tool to work out the finances for your home purchase.